WHAT IS VBV (VERIFIED BY VISA)? 
Verified by Visa is a service to identify cardholders in e-commerce transactions made via Indovina Bank Limited (IVB).
UTILITIES
- Safe and secure for online transactions with one-time authentication code (OTP) sent to phone number, email address registered with IVB.
- Customers only need to enter OTP to continue making transactions without having to go through any other authentication steps.
- Convenient to use at any time.
- Help transactions execute quickly fast and simple.
INSTRUCTIONS FOR IMPLEMENTATION 
+ Step 1: Make online payment transactions at websites with 3D Secure.
+ Step 2: Enter card information (card number, expiration date, CVV) while making online payment.
+ Step 3: Click on the payment button and receive OTP code sent to your phone number, registered email address.
+ Step 4: Only when you enter the correct OTP and card details will the transaction be successful.
+ Step 5: The transaction is completed.
REGISTRATION
Please update your phone number, email address with IVB because OTP code will be sent via this phone number and email address.
For further support, please contact 1900588879 Customer Service Center or IVB's nearest Branches/Transaction Offices.

Please refer to detailed instructions here.
Thank you very much!